Payne County property record for 1909 E 3rd Ave, Stillwater, OK 74074
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,557 sqft · built 1979 |
| Lot Size | 0.258 acres (11,281 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $140,000 (Mar 2018) |
| Tax Bill | $1,791 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19N02E-13-2-SF010-000-0005 |
| Primary APN | 19N02E-13-2-SF010-000-0005 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,557 sqft Living Area |
| 1st Floor Area | 1,557 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,281 sqft (0.258 acres) |
| Lot Dimensions | 116 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Porch | Slab |
| Porch Area | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 22164 |
|---|---|
| Street Address | 1909 E 3RD AVE |
| City | STILLWATER |
| State | OK |
| Zip | 74074-3915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FAIRLAWN HTS SUB PRT LOTS 4-5 BEG 25'S & 80'W NE/C LOT 4; W-80' S-116' E-80' N-116' POB |
| Legal Range | 02E |
| Legal Township | 19N |
| Legal Section | 13 |
| Legal Subdivision | FAIRLAWN HTS SUB |
| Legal Lot Number | 4,5 |
| Jurisdiction | PAYNE OK |
| Township / Civil Division | STILLWATER |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 10600 |
Source: Payne County records, as of February 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1909 E 3RD AVE, STILLWATER, OK 74074-3915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2022 | Deed of Trust, Mortgage · Line of Credit RCB BANK |
| Mar 12, 2018 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2018 · Amount on Record |
| Deed Sale | Mar 12, 2018 · Amount on Record |
| Deed Document Number | 2018263 |
| Deed Book / Page | 2441 / 395 |
| Prior Transfer Date | Aug 24, 2011 |
| Prior Transfer Doc | 0019710770 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PAYNE OK |
| Property Address | 1909 E 3RD AVE, STILLWATER, OK 74074-3915 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1909 E 3RD AVE, STILLWATER, OK 74074-3915 |
| Document Number | 0027040778 |
|---|---|
| Date | Jun 30, 2022 |
| Book Page | 2704/778 |
| Instrument | I-2022-007622 |
| Name | RCB BANK |
|---|---|
| Type | Bank |
| Address | STILLWATER, OK 74074 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 14, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PAYNE OK |
| Recording Date | Mar 12, 2018 |
| Property Address | 1909 E 3RD AVE, STILLWATER, OK 74074-3915 |
| Document Number | 0024410395 |
| Book / Page | 002441 / 000395 |
| Instrument Date | Mar 9, 2018 |
| Instrument | 2631 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2018 |
| Title Company | COMMUNITY ABSTRACT CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1909 E 3RD AVE STILLWATER OK 740743915, STILLWATER, OK 74074-3915 |
| Document Number | 24410397 |
|---|---|
| Date | Mar 12, 2018 |
| Book Page | 002441/000397 |
| Instrument | 2632 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 11, 2048 |
Source: Payne County assessment roll, as of February 6, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Payne County |
| Municipality | Stillwater City |
| Unified School District | Stillwater Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,791.00 (+2.75%) Homeowner's exemption | $18,143 (-) Land $1,975 Building $16,168 | |
| 2024 | $1,743.00 (+3.38%) Homeowner's exemption | $18,143 (+3%) Land $1,975 Building $16,168 | $183,710 (+3.96%) Land $20,000 Building $163,710 |
| 2023 | $1,686.00 (+3.44%) Homeowner's exemption | $17,615 (+3%) Land $1,993 Building $15,622 | $176,710 (+11.05%) Land $20,000 Building $156,710 |
| 2022 | $1,630.00 Homeowner's exemption | $17,102 Land $2,149 Building $14,953 | $159,120 Land $20,000 Building $139,120 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective January 22, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 85% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STILLWATER UTILITIES AUTHORITY serves 53,000 people · EPA ID OK1021220 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | Treatment failure resolved · Feb 2023 Turbidity resolved · Oct 2018 |
|---|---|
| Treatment and Procedure | Organic carbon removal Oct 2022 |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 383 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bluepeak Fiber | 5,000 / 5,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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